**above 50k
clear programs
use "$data/demog_meta.dta", clear
keep as_of rate_spread loan_amount



gen difference=.
gen standard_errors=.
gen upper_ci=.
gen lower_ci=.


program define bin_1, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[1]-b_pre[1]
end
bootstrap mass=r(mass), reps(100): bin_1

replace difference=_b[mass] in 1
replace standard_error=_se[mass] in 1
replace upper_ci=_b[mass]+1.96*_se[mass] in 1 
replace lower_ci=_b[mass]-1.96*_se[mass] in 1 


program define bin_2, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[2]-b_pre[2]
end
bootstrap mass=r(mass), reps(100): bin_2

replace difference=_b[mass] in 2
replace standard_error=_se[mass] in 2
replace upper_ci=_b[mass]+1.96*_se[mass] in 2
replace lower_ci=_b[mass]-1.96*_se[mass] in 2 


program define bin_3, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[3]-b_pre[3]
end
bootstrap mass=r(mass), reps(100): bin_3

replace difference=_b[mass] in 3
replace standard_error=_se[mass] in 3
replace upper_ci=_b[mass]+1.96*_se[mass] in 3
replace lower_ci=_b[mass]-1.96*_se[mass] in 3 



program define bin_4, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[4]-b_pre[4]
end
bootstrap mass=r(mass), reps(100): bin_4

replace difference=_b[mass] in 4
replace standard_error=_se[mass] in 4
replace upper_ci=_b[mass]+1.96*_se[mass] in 4
replace lower_ci=_b[mass]-1.96*_se[mass] in 4 


program define bin_5, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[5]-b_pre[5]
end
bootstrap mass=r(mass), reps(100): bin_5

replace difference=_b[mass] in 5
replace standard_error=_se[mass] in 5
replace upper_ci=_b[mass]+1.96*_se[mass] in 5
replace lower_ci=_b[mass]-1.96*_se[mass] in 5 

program define bin_6, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[6]-b_pre[6]
end
bootstrap mass=r(mass), reps(100): bin_6

replace difference=_b[mass] in 6
replace standard_error=_se[mass] in 6
replace upper_ci=_b[mass]+1.96*_se[mass] in 6
replace lower_ci=_b[mass]-1.96*_se[mass] in 6

program define bin_7, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[7]-b_pre[7]
end
bootstrap mass=r(mass), reps(100): bin_7

replace difference=_b[mass] in 7
replace standard_error=_se[mass] in 7
replace upper_ci=_b[mass]+1.96*_se[mass] in 7
replace lower_ci=_b[mass]-1.96*_se[mass] in 7


program define bin_8, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[8]-b_pre[8]
end
bootstrap mass=r(mass), reps(100): bin_8

replace difference=_b[mass] in 8
replace standard_error=_se[mass] in 8
replace upper_ci=_b[mass]+1.96*_se[mass] in 8
replace lower_ci=_b[mass]-1.96*_se[mass] in 8



program define bin_9, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[9]-b_pre[9]
end
bootstrap mass=r(mass), reps(100): bin_9


replace difference=_b[mass] in 9
replace standard_error=_se[mass] in 9
replace upper_ci=_b[mass]+1.96*_se[mass] in 9
replace lower_ci=_b[mass]-1.96*_se[mass] in 9


program define bin_10, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[10]-b_pre[10]
end
bootstrap mass=r(mass), reps(100): bin_10

replace difference=_b[mass] in 10
replace standard_error=_se[mass] in 10
replace upper_ci=_b[mass]+1.96*_se[mass] in 10
replace lower_ci=_b[mass]-1.96*_se[mass] in 10


program define bin_11, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[11]-b_pre[11]
end
bootstrap mass=r(mass), reps(100): bin_11

replace difference=_b[mass] in 11
replace standard_error=_se[mass] in 11
replace upper_ci=_b[mass]+1.96*_se[mass] in 11
replace lower_ci=_b[mass]-1.96*_se[mass] in 11


program define bin_12, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[12]-b_pre[12]
end
bootstrap mass=r(mass), reps(100): bin_12

replace difference=_b[mass] in 12
replace standard_error=_se[mass] in 12
replace upper_ci=_b[mass]+1.96*_se[mass] in 12
replace lower_ci=_b[mass]-1.96*_se[mass] in 12


program define bin_13, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[13]-b_pre[13]
end
bootstrap mass=r(mass), reps(100): bin_13

replace difference=_b[mass] in 13
replace standard_error=_se[mass] in 13
replace upper_ci=_b[mass]+1.96*_se[mass] in 13
replace lower_ci=_b[mass]-1.96*_se[mass] in 13


program define bin_14, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[14]-b_pre[14]
end
bootstrap mass=r(mass), reps(100): bin_14

replace difference=_b[mass] in 14
replace standard_error=_se[mass] in 14
replace upper_ci=_b[mass]+1.96*_se[mass] in 14
replace lower_ci=_b[mass]-1.96*_se[mass] in 14


program define bin_15, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[15]-b_pre[15]
end
bootstrap mass=r(mass), reps(100): bin_15

replace difference=_b[mass] in 15
replace standard_error=_se[mass] in 15
replace upper_ci=_b[mass]+1.96*_se[mass] in 15
replace lower_ci=_b[mass]-1.96*_se[mass] in 15


program define bin_16, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[16]-b_pre[16]
end
bootstrap mass=r(mass), reps(100): bin_16

replace difference=_b[mass] in 16
replace standard_error=_se[mass] in 16
replace upper_ci=_b[mass]+1.96*_se[mass] in 16
replace lower_ci=_b[mass]-1.96*_se[mass] in 16



program define bin_17, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[17]-b_pre[17]
end
bootstrap mass=r(mass), reps(100): bin_17

replace difference=_b[mass] in 17
replace standard_error=_se[mass] in 17
replace upper_ci=_b[mass]+1.96*_se[mass] in 17
replace lower_ci=_b[mass]-1.96*_se[mass] in 17



program define bin_18, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[18]-b_pre[18]
end
bootstrap mass=r(mass), reps(100): bin_18


replace difference=_b[mass] in 18
replace standard_error=_se[mass] in 18
replace upper_ci=_b[mass]+1.96*_se[mass] in 18
replace lower_ci=_b[mass]-1.96*_se[mass] in 18



program define bin_19, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[19]-b_pre[19]
end
bootstrap mass=r(mass), reps(100): bin_19

replace difference=_b[mass] in 19
replace standard_error=_se[mass] in 19
replace upper_ci=_b[mass]+1.96*_se[mass] in 19
replace lower_ci=_b[mass]-1.96*_se[mass] in 19



program define bin_20, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[20]-b_pre[20]
end
bootstrap mass=r(mass), reps(100): bin_20

replace difference=_b[mass] in 20
replace standard_error=_se[mass] in 20
replace upper_ci=_b[mass]+1.96*_se[mass] in 20
replace lower_ci=_b[mass]-1.96*_se[mass] in 20



program define bin_21, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[21]-b_pre[21]
end
bootstrap mass=r(mass), reps(100): bin_21

replace difference=_b[mass] in 21
replace standard_error=_se[mass] in 21
replace upper_ci=_b[mass]+1.96*_se[mass] in 21
replace lower_ci=_b[mass]-1.96*_se[mass] in 21


program define bin_22, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[22]-b_pre[22]
end
bootstrap mass=r(mass), reps(100): bin_22

replace difference=_b[mass] in 22
replace standard_error=_se[mass] in 22
replace upper_ci=_b[mass]+1.96*_se[mass] in 22
replace lower_ci=_b[mass]-1.96*_se[mass] in 22


program define bin_23, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[23]-b_pre[23]
end
bootstrap mass=r(mass), reps(100): bin_23

replace difference=_b[mass] in 23
replace standard_error=_se[mass] in 23
replace upper_ci=_b[mass]+1.96*_se[mass] in 23
replace lower_ci=_b[mass]-1.96*_se[mass] in 23


program define bin_24, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[24]-b_pre[24]
end
bootstrap mass=r(mass), reps(100): bin_24

replace difference=_b[mass] in 24
replace standard_error=_se[mass] in 24
replace upper_ci=_b[mass]+1.96*_se[mass] in 24
replace lower_ci=_b[mass]-1.96*_se[mass] in 24


program define bin_25, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[25]-b_pre[25]
end
bootstrap mass=r(mass), reps(100): bin_25

replace difference=_b[mass] in 25
replace standard_error=_se[mass] in 25
replace upper_ci=_b[mass]+1.96*_se[mass] in 25
replace lower_ci=_b[mass]-1.96*_se[mass] in 25


program define bin_26, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[26]-b_pre[26]
end
bootstrap mass=r(mass), reps(100): bin_26

replace difference=_b[mass] in 26
replace standard_error=_se[mass] in 26
replace upper_ci=_b[mass]+1.96*_se[mass] in 26
replace lower_ci=_b[mass]-1.96*_se[mass] in 26


program define bin_27, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[27]-b_pre[27]
end
bootstrap mass=r(mass), reps(100): bin_27

replace difference=_b[mass] in 27
replace standard_error=_se[mass] in 27
replace upper_ci=_b[mass]+1.96*_se[mass] in 27
replace lower_ci=_b[mass]-1.96*_se[mass] in 27


program define bin_28, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[28]-b_pre[28]
end
bootstrap mass=r(mass), reps(100): bin_28

replace difference=_b[mass] in 28
replace standard_error=_se[mass] in 28
replace upper_ci=_b[mass]+1.96*_se[mass] in 28
replace lower_ci=_b[mass]-1.96*_se[mass] in 28


program define bin_29, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[29]-b_pre[29]
end
bootstrap mass=r(mass), reps(100): bin_29

replace difference=_b[mass] in 29
replace standard_error=_se[mass] in 29
replace upper_ci=_b[mass]+1.96*_se[mass] in 29
replace lower_ci=_b[mass]-1.96*_se[mass] in 29


program define bin_30, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[30]-b_pre[30]
end
bootstrap mass=r(mass), reps(100): bin_30

replace difference=_b[mass] in 30
replace standard_error=_se[mass] in 30
replace upper_ci=_b[mass]+1.96*_se[mass] in 30
replace lower_ci=_b[mass]-1.96*_se[mass] in 30

program define bin_31, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[31]-b_pre[31]
end
bootstrap mass=r(mass), reps(100): bin_31

replace difference=_b[mass] in 31
replace standard_error=_se[mass] in 31
replace upper_ci=_b[mass]+1.96*_se[mass] in 31
replace lower_ci=_b[mass]-1.96*_se[mass] in 31


program define bin_32, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[32]-b_pre[32]
end
bootstrap mass=r(mass), reps(100): bin_32

replace difference=_b[mass] in 32
replace standard_error=_se[mass] in 32
replace upper_ci=_b[mass]+1.96*_se[mass] in 32
replace lower_ci=_b[mass]-1.96*_se[mass] in 32


program define bin_33, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[33]-b_pre[33]
end
bootstrap mass=r(mass), reps(100): bin_33

replace difference=_b[mass] in 33
replace standard_error=_se[mass] in 33
replace upper_ci=_b[mass]+1.96*_se[mass] in 33
replace lower_ci=_b[mass]-1.96*_se[mass] in 33


program define bin_34, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[34]-b_pre[34]
end
bootstrap mass=r(mass), reps(100): bin_34

replace difference=_b[mass] in 34
replace standard_error=_se[mass] in 34
replace upper_ci=_b[mass]+1.96*_se[mass] in 34
replace lower_ci=_b[mass]-1.96*_se[mass] in 34


program define bin_35, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[35]-b_pre[35]
end
bootstrap mass=r(mass), reps(100): bin_35

replace difference=_b[mass] in 35
replace standard_error=_se[mass] in 35
replace upper_ci=_b[mass]+1.96*_se[mass] in 35
replace lower_ci=_b[mass]-1.96*_se[mass] in 35


program define bin_36, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[36]-b_pre[36]
end
bootstrap mass=r(mass), reps(100): bin_36

replace difference=_b[mass] in 36
replace standard_error=_se[mass] in 36
replace upper_ci=_b[mass]+1.96*_se[mass] in 36
replace lower_ci=_b[mass]-1.96*_se[mass] in 36


program define bin_37, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[37]-b_pre[37]
end
bootstrap mass=r(mass), reps(100): bin_37

replace difference=_b[mass] in 37
replace standard_error=_se[mass] in 37
replace upper_ci=_b[mass]+1.96*_se[mass] in 37
replace lower_ci=_b[mass]-1.96*_se[mass] in 37



program define bin_38, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[38]-b_pre[38]
end
bootstrap mass=r(mass), reps(100): bin_38

replace difference=_b[mass] in 38
replace standard_error=_se[mass] in 38
replace upper_ci=_b[mass]+1.96*_se[mass] in 38
replace lower_ci=_b[mass]-1.96*_se[mass] in 38


program define bin_39, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[39]-b_pre[39]
end
bootstrap mass=r(mass), reps(100): bin_39

replace difference=_b[mass] in 39
replace standard_error=_se[mass] in 39
replace upper_ci=_b[mass]+1.96*_se[mass] in 39
replace lower_ci=_b[mass]-1.96*_se[mass] in 39


program define bin_40, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[40]-b_pre[40]
end
bootstrap mass=r(mass), reps(100): bin_40

replace difference=_b[mass] in 40
replace standard_error=_se[mass] in 40
replace upper_ci=_b[mass]+1.96*_se[mass] in 40
replace lower_ci=_b[mass]-1.96*_se[mass] in 40


program define bin_41, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[41]-b_pre[41]
end
bootstrap mass=r(mass), reps(100): bin_41

replace difference=_b[mass] in 41
replace standard_error=_se[mass] in 41
replace upper_ci=_b[mass]+1.96*_se[mass] in 41
replace lower_ci=_b[mass]-1.96*_se[mass] in 41


program define bin_42, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[42]-b_pre[42]
end
bootstrap mass=r(mass), reps(100): bin_42

replace difference=_b[mass] in 42
replace standard_error=_se[mass] in 42
replace upper_ci=_b[mass]+1.96*_se[mass] in 42
replace lower_ci=_b[mass]-1.96*_se[mass] in 42


program define bin_43, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[43]-b_pre[43]
end
bootstrap mass=r(mass), reps(100): bin_43

replace difference=_b[mass] in 43
replace standard_error=_se[mass] in 43
replace upper_ci=_b[mass]+1.96*_se[mass] in 43
replace lower_ci=_b[mass]-1.96*_se[mass] in 43


program define bin_44, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[44]-b_pre[44]
end
bootstrap mass=r(mass), reps(100): bin_44

replace difference=_b[mass] in 44
replace standard_error=_se[mass] in 44
replace upper_ci=_b[mass]+1.96*_se[mass] in 44
replace lower_ci=_b[mass]-1.96*_se[mass] in 44


program define bin_45, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[45]-b_pre[45]
end
bootstrap mass=r(mass), reps(100): bin_45

replace difference=_b[mass] in 45
replace standard_error=_se[mass] in 45
replace upper_ci=_b[mass]+1.96*_se[mass] in 45
replace lower_ci=_b[mass]-1.96*_se[mass] in 45


program define bin_46, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[46]-b_pre[46]
end
bootstrap mass=r(mass), reps(100): bin_46

replace difference=_b[mass] in 46
replace standard_error=_se[mass] in 46
replace upper_ci=_b[mass]+1.96*_se[mass] in 46
replace lower_ci=_b[mass]-1.96*_se[mass] in 46


program define bin_47, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[47]-b_pre[47]
end
bootstrap mass=r(mass), reps(100): bin_47

replace difference=_b[mass] in 47
replace standard_error=_se[mass] in 47
replace upper_ci=_b[mass]+1.96*_se[mass] in 47
replace lower_ci=_b[mass]-1.96*_se[mass] in 47



program define bin_48, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[48]-b_pre[48]
end
bootstrap mass=r(mass), reps(100): bin_48

replace difference=_b[mass] in 48
replace standard_error=_se[mass] in 48
replace upper_ci=_b[mass]+1.96*_se[mass] in 48
replace lower_ci=_b[mass]-1.96*_se[mass] in 48


program define bin_49, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[49]-b_pre[49]
end
bootstrap mass=r(mass), reps(100): bin_49

replace difference=_b[mass] in 49
replace standard_error=_se[mass] in 49
replace upper_ci=_b[mass]+1.96*_se[mass] in 49
replace lower_ci=_b[mass]-1.96*_se[mass] in 49


program define bin_50, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[50]-b_pre[50]
end
bootstrap mass=r(mass), reps(100): bin_50

replace difference=_b[mass] in 50
replace standard_error=_se[mass] in 50
replace upper_ci=_b[mass]+1.96*_se[mass] in 50
replace lower_ci=_b[mass]-1.96*_se[mass] in 50


program define bin_51, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[51]-b_pre[51]
end
bootstrap mass=r(mass), reps(100): bin_51

replace difference=_b[mass] in 51
replace standard_error=_se[mass] in 51
replace upper_ci=_b[mass]+1.96*_se[mass] in 51
replace lower_ci=_b[mass]-1.96*_se[mass] in 51


program define bin_52, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[52]-b_pre[52]
end
bootstrap mass=r(mass), reps(100): bin_52

replace difference=_b[mass] in 52
replace standard_error=_se[mass] in 52
replace upper_ci=_b[mass]+1.96*_se[mass] in 52
replace lower_ci=_b[mass]-1.96*_se[mass] in 52


program define bin_53, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[53]-b_pre[53]
end
bootstrap mass=r(mass), reps(100): bin_53

replace difference=_b[mass] in 53
replace standard_error=_se[mass] in 53
replace upper_ci=_b[mass]+1.96*_se[mass] in 53
replace lower_ci=_b[mass]-1.96*_se[mass] in 53


program define bin_54, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[54]-b_pre[54]
end
bootstrap mass=r(mass), reps(100): bin_54

replace difference=_b[mass] in 54
replace standard_error=_se[mass] in 54
replace upper_ci=_b[mass]+1.96*_se[mass] in 54
replace lower_ci=_b[mass]-1.96*_se[mass] in 54



program define bin_55, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[55]-b_pre[55]
end
bootstrap mass=r(mass), reps(100): bin_55

replace difference=_b[mass] in 55
replace standard_error=_se[mass] in 55
replace upper_ci=_b[mass]+1.96*_se[mass] in 55
replace lower_ci=_b[mass]-1.96*_se[mass] in 55


program define bin_56, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[56]-b_pre[56]
end
bootstrap mass=r(mass), reps(100): bin_56

replace difference=_b[mass] in 56
replace standard_error=_se[mass] in 56
replace upper_ci=_b[mass]+1.96*_se[mass] in 56
replace lower_ci=_b[mass]-1.96*_se[mass] in 56


program define bin_57, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[57]-b_pre[57]
end
bootstrap mass=r(mass), reps(100): bin_57

replace difference=_b[mass] in 57
replace standard_error=_se[mass] in 57
replace upper_ci=_b[mass]+1.96*_se[mass] in 57
replace lower_ci=_b[mass]-1.96*_se[mass] in 57


program define bin_58, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[58]-b_pre[58]
end
bootstrap mass=r(mass), reps(100): bin_58

replace difference=_b[mass] in 58
replace standard_error=_se[mass] in 58
replace upper_ci=_b[mass]+1.96*_se[mass] in 58
replace lower_ci=_b[mass]-1.96*_se[mass] in 58


program define bin_59, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[59]-b_pre[59]
end
bootstrap mass=r(mass), reps(100): bin_59

replace difference=_b[mass] in 59
replace standard_error=_se[mass] in 59
replace upper_ci=_b[mass]+1.96*_se[mass] in 59
replace lower_ci=_b[mass]-1.96*_se[mass] in 59


program define bin_60, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[60]-b_pre[60]
end
bootstrap mass=r(mass), reps(100): bin_60

replace difference=_b[mass] in 60
replace standard_error=_se[mass] in 60
replace upper_ci=_b[mass]+1.96*_se[mass] in 60
replace lower_ci=_b[mass]-1.96*_se[mass] in 60


program define bin_61, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[61]-b_pre[61]
end
bootstrap mass=r(mass), reps(100): bin_61

replace difference=_b[mass] in 61
replace standard_error=_se[mass] in 61
replace upper_ci=_b[mass]+1.96*_se[mass] in 61
replace lower_ci=_b[mass]-1.96*_se[mass] in 61


program define bin_62, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[62]-b_pre[62]
end
bootstrap mass=r(mass), reps(100): bin_62

replace difference=_b[mass] in 62
replace standard_error=_se[mass] in 62
replace upper_ci=_b[mass]+1.96*_se[mass] in 62
replace lower_ci=_b[mass]-1.96*_se[mass] in 62


program define bin_63, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[63]-b_pre[63]
end
bootstrap mass=r(mass), reps(100): bin_63

replace difference=_b[mass] in 63
replace standard_error=_se[mass] in 63
replace upper_ci=_b[mass]+1.96*_se[mass] in 63
replace lower_ci=_b[mass]-1.96*_se[mass] in 63


program define bin_64, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[64]-b_pre[64]
end
bootstrap mass=r(mass), reps(100): bin_64

replace difference=_b[mass] in 64
replace standard_error=_se[mass] in 64
replace upper_ci=_b[mass]+1.96*_se[mass] in 64
replace lower_ci=_b[mass]-1.96*_se[mass] in 64


program define bin_65, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[65]-b_pre[65]
end
bootstrap mass=r(mass), reps(100): bin_65

replace difference=_b[mass] in 65
replace standard_error=_se[mass] in 65
replace upper_ci=_b[mass]+1.96*_se[mass] in 65
replace lower_ci=_b[mass]-1.96*_se[mass] in 65


program define bin_66, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[66]-b_pre[66]
end
bootstrap mass=r(mass), reps(100): bin_66

replace difference=_b[mass] in 66
replace standard_error=_se[mass] in 66
replace upper_ci=_b[mass]+1.96*_se[mass] in 66
replace lower_ci=_b[mass]-1.96*_se[mass] in 66


program define bin_67, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[67]-b_pre[67]
end
bootstrap mass=r(mass), reps(100): bin_67

replace difference=_b[mass] in 67
replace standard_error=_se[mass] in 67
replace upper_ci=_b[mass]+1.96*_se[mass] in 67
replace lower_ci=_b[mass]-1.96*_se[mass] in 67


program define bin_68, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[68]-b_pre[68]
end
bootstrap mass=r(mass), reps(100): bin_68

replace difference=_b[mass] in 68
replace standard_error=_se[mass] in 68
replace upper_ci=_b[mass]+1.96*_se[mass] in 68
replace lower_ci=_b[mass]-1.96*_se[mass] in 68


program define bin_69, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[69]-b_pre[69]
end
bootstrap mass=r(mass), reps(100): bin_69

replace difference=_b[mass] in 69
replace standard_error=_se[mass] in 69
replace upper_ci=_b[mass]+1.96*_se[mass] in 69
replace lower_ci=_b[mass]-1.96*_se[mass] in 69


program define bin_70, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[70]-b_pre[70]
end
bootstrap mass=r(mass), reps(100): bin_70

replace difference=_b[mass] in 70
replace standard_error=_se[mass] in 70
replace upper_ci=_b[mass]+1.96*_se[mass] in 70
replace lower_ci=_b[mass]-1.96*_se[mass] in 70



program define bin_71, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[71]-b_pre[71]
end
bootstrap mass=r(mass), reps(100): bin_71

replace difference=_b[mass] in 71
replace standard_error=_se[mass] in 71
replace upper_ci=_b[mass]+1.96*_se[mass] in 71
replace lower_ci=_b[mass]-1.96*_se[mass] in 71


program define bin_72, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[72]-b_pre[72]
end
bootstrap mass=r(mass), reps(100): bin_72

replace difference=_b[mass] in 72
replace standard_error=_se[mass] in 72
replace upper_ci=_b[mass]+1.96*_se[mass] in 72
replace lower_ci=_b[mass]-1.96*_se[mass] in 72


program define bin_73, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[73]-b_pre[73]
end
bootstrap mass=r(mass), reps(100): bin_73

replace difference=_b[mass] in 73
replace standard_error=_se[mass] in 73
replace upper_ci=_b[mass]+1.96*_se[mass] in 73
replace lower_ci=_b[mass]-1.96*_se[mass] in 73


program define bin_74, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[74]-b_pre[74]
end
bootstrap mass=r(mass), reps(100): bin_74

replace difference=_b[mass] in 74
replace standard_error=_se[mass] in 74
replace upper_ci=_b[mass]+1.96*_se[mass] in 74
replace lower_ci=_b[mass]-1.96*_se[mass] in 74


program define bin_75, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[75]-b_pre[75]
end
bootstrap mass=r(mass), reps(100): bin_75

replace difference=_b[mass] in 75
replace standard_error=_se[mass] in 75
replace upper_ci=_b[mass]+1.96*_se[mass] in 75
replace lower_ci=_b[mass]-1.96*_se[mass] in 75


program define bin_76, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[76]-b_pre[76]
end
bootstrap mass=r(mass), reps(100): bin_76

replace difference=_b[mass] in 76
replace standard_error=_se[mass] in 76
replace upper_ci=_b[mass]+1.96*_se[mass] in 76
replace lower_ci=_b[mass]-1.96*_se[mass] in 76



program define bin_77, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[77]-b_pre[77]
end
bootstrap mass=r(mass), reps(100): bin_77

replace difference=_b[mass] in 77
replace standard_error=_se[mass] in 77
replace upper_ci=_b[mass]+1.96*_se[mass] in 77
replace lower_ci=_b[mass]-1.96*_se[mass] in 77


program define bin_78, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[78]-b_pre[78]
end
bootstrap mass=r(mass), reps(100): bin_78

replace difference=_b[mass] in 78
replace standard_error=_se[mass] in 78
replace upper_ci=_b[mass]+1.96*_se[mass] in 78
replace lower_ci=_b[mass]-1.96*_se[mass] in 78


program define bin_79, rclass
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<10&rate_spread>5&loan_amount>=50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[79]-b_pre[79]
end
bootstrap mass=r(mass), reps(100): bin_79

replace difference=_b[mass] in 79
replace standard_error=_se[mass] in 79
replace upper_ci=_b[mass]+1.96*_se[mass] in 79
replace lower_ci=_b[mass]-1.96*_se[mass] in 79






save  "$data/bootstrap_2010_2016.dta", replace






****************************Regression analysis
/*
clear programs
use "$data/2010_hoepa.dta", clear
forvalue i=1(1)7{
append using "$data/201`i'_hoepa.dta", force
}
keep as_of rate_spread loan_amount
*/
clear programs
use "$data/demog_meta.dta", clear
keep as_of rate_spread loan_amount



gen difference=.
gen standard_errors=.
gen upper_ci=.
gen lower_ci=.


program define bin_1, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[1]-b_pre[1]
end
bootstrap mass=r(mass), reps(100): bin_1

replace difference=_b[mass] in 1
replace standard_error=_se[mass] in 1
replace upper_ci=_b[mass]+1.96*_se[mass] in 1 
replace lower_ci=_b[mass]-1.96*_se[mass] in 1 


program define bin_2, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[2]-b_pre[2]
end
bootstrap mass=r(mass), reps(100): bin_2

replace difference=_b[mass] in 2
replace standard_error=_se[mass] in 2
replace upper_ci=_b[mass]+1.96*_se[mass] in 2
replace lower_ci=_b[mass]-1.96*_se[mass] in 2 


program define bin_3, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[3]-b_pre[3]
end
bootstrap mass=r(mass), reps(100): bin_3

replace difference=_b[mass] in 3
replace standard_error=_se[mass] in 3
replace upper_ci=_b[mass]+1.96*_se[mass] in 3
replace lower_ci=_b[mass]-1.96*_se[mass] in 3 



program define bin_4, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[4]-b_pre[4]
end
bootstrap mass=r(mass), reps(100): bin_4

replace difference=_b[mass] in 4
replace standard_error=_se[mass] in 4
replace upper_ci=_b[mass]+1.96*_se[mass] in 4
replace lower_ci=_b[mass]-1.96*_se[mass] in 4 


program define bin_5, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[5]-b_pre[5]
end
bootstrap mass=r(mass), reps(100): bin_5

replace difference=_b[mass] in 5
replace standard_error=_se[mass] in 5
replace upper_ci=_b[mass]+1.96*_se[mass] in 5
replace lower_ci=_b[mass]-1.96*_se[mass] in 5 

program define bin_6, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[6]-b_pre[6]
end
bootstrap mass=r(mass), reps(100): bin_6

replace difference=_b[mass] in 6
replace standard_error=_se[mass] in 6
replace upper_ci=_b[mass]+1.96*_se[mass] in 6
replace lower_ci=_b[mass]-1.96*_se[mass] in 6

program define bin_7, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[7]-b_pre[7]
end
bootstrap mass=r(mass), reps(100): bin_7

replace difference=_b[mass] in 7
replace standard_error=_se[mass] in 7
replace upper_ci=_b[mass]+1.96*_se[mass] in 7
replace lower_ci=_b[mass]-1.96*_se[mass] in 7


program define bin_8, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[8]-b_pre[8]
end
bootstrap mass=r(mass), reps(100): bin_8

replace difference=_b[mass] in 8
replace standard_error=_se[mass] in 8
replace upper_ci=_b[mass]+1.96*_se[mass] in 8
replace lower_ci=_b[mass]-1.96*_se[mass] in 8



program define bin_9, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[9]-b_pre[9]
end
bootstrap mass=r(mass), reps(100): bin_9


replace difference=_b[mass] in 9
replace standard_error=_se[mass] in 9
replace upper_ci=_b[mass]+1.96*_se[mass] in 9
replace lower_ci=_b[mass]-1.96*_se[mass] in 9


program define bin_10, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[10]-b_pre[10]
end
bootstrap mass=r(mass), reps(100): bin_10

replace difference=_b[mass] in 10
replace standard_error=_se[mass] in 10
replace upper_ci=_b[mass]+1.96*_se[mass] in 10
replace lower_ci=_b[mass]-1.96*_se[mass] in 10


program define bin_11, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[11]-b_pre[11]
end
bootstrap mass=r(mass), reps(100): bin_11

replace difference=_b[mass] in 11
replace standard_error=_se[mass] in 11
replace upper_ci=_b[mass]+1.96*_se[mass] in 11
replace lower_ci=_b[mass]-1.96*_se[mass] in 11


program define bin_12, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[12]-b_pre[12]
end
bootstrap mass=r(mass), reps(100): bin_12

replace difference=_b[mass] in 12
replace standard_error=_se[mass] in 12
replace upper_ci=_b[mass]+1.96*_se[mass] in 12
replace lower_ci=_b[mass]-1.96*_se[mass] in 12


program define bin_13, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[13]-b_pre[13]
end
bootstrap mass=r(mass), reps(100): bin_13

replace difference=_b[mass] in 13
replace standard_error=_se[mass] in 13
replace upper_ci=_b[mass]+1.96*_se[mass] in 13
replace lower_ci=_b[mass]-1.96*_se[mass] in 13


program define bin_14, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[14]-b_pre[14]
end
bootstrap mass=r(mass), reps(100): bin_14

replace difference=_b[mass] in 14
replace standard_error=_se[mass] in 14
replace upper_ci=_b[mass]+1.96*_se[mass] in 14
replace lower_ci=_b[mass]-1.96*_se[mass] in 14


program define bin_15, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[15]-b_pre[15]
end
bootstrap mass=r(mass), reps(100): bin_15

replace difference=_b[mass] in 15
replace standard_error=_se[mass] in 15
replace upper_ci=_b[mass]+1.96*_se[mass] in 15
replace lower_ci=_b[mass]-1.96*_se[mass] in 15


program define bin_16, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[16]-b_pre[16]
end
bootstrap mass=r(mass), reps(100): bin_16

replace difference=_b[mass] in 16
replace standard_error=_se[mass] in 16
replace upper_ci=_b[mass]+1.96*_se[mass] in 16
replace lower_ci=_b[mass]-1.96*_se[mass] in 16



program define bin_17, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[17]-b_pre[17]
end
bootstrap mass=r(mass), reps(100): bin_17

replace difference=_b[mass] in 17
replace standard_error=_se[mass] in 17
replace upper_ci=_b[mass]+1.96*_se[mass] in 17
replace lower_ci=_b[mass]-1.96*_se[mass] in 17



program define bin_18, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[18]-b_pre[18]
end
bootstrap mass=r(mass), reps(100): bin_18


replace difference=_b[mass] in 18
replace standard_error=_se[mass] in 18
replace upper_ci=_b[mass]+1.96*_se[mass] in 18
replace lower_ci=_b[mass]-1.96*_se[mass] in 18



program define bin_19, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[19]-b_pre[19]
end
bootstrap mass=r(mass), reps(100): bin_19

replace difference=_b[mass] in 19
replace standard_error=_se[mass] in 19
replace upper_ci=_b[mass]+1.96*_se[mass] in 19
replace lower_ci=_b[mass]-1.96*_se[mass] in 19



program define bin_20, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[20]-b_pre[20]
end
bootstrap mass=r(mass), reps(100): bin_20

replace difference=_b[mass] in 20
replace standard_error=_se[mass] in 20
replace upper_ci=_b[mass]+1.96*_se[mass] in 20
replace lower_ci=_b[mass]-1.96*_se[mass] in 20



program define bin_21, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[21]-b_pre[21]
end
bootstrap mass=r(mass), reps(100): bin_21

replace difference=_b[mass] in 21
replace standard_error=_se[mass] in 21
replace upper_ci=_b[mass]+1.96*_se[mass] in 21
replace lower_ci=_b[mass]-1.96*_se[mass] in 21


program define bin_22, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[22]-b_pre[22]
end
bootstrap mass=r(mass), reps(100): bin_22

replace difference=_b[mass] in 22
replace standard_error=_se[mass] in 22
replace upper_ci=_b[mass]+1.96*_se[mass] in 22
replace lower_ci=_b[mass]-1.96*_se[mass] in 22


program define bin_23, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[23]-b_pre[23]
end
bootstrap mass=r(mass), reps(100): bin_23

replace difference=_b[mass] in 23
replace standard_error=_se[mass] in 23
replace upper_ci=_b[mass]+1.96*_se[mass] in 23
replace lower_ci=_b[mass]-1.96*_se[mass] in 23


program define bin_24, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[24]-b_pre[24]
end
bootstrap mass=r(mass), reps(100): bin_24

replace difference=_b[mass] in 24
replace standard_error=_se[mass] in 24
replace upper_ci=_b[mass]+1.96*_se[mass] in 24
replace lower_ci=_b[mass]-1.96*_se[mass] in 24


program define bin_25, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[25]-b_pre[25]
end
bootstrap mass=r(mass), reps(100): bin_25

replace difference=_b[mass] in 25
replace standard_error=_se[mass] in 25
replace upper_ci=_b[mass]+1.96*_se[mass] in 25
replace lower_ci=_b[mass]-1.96*_se[mass] in 25


program define bin_26, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[26]-b_pre[26]
end
bootstrap mass=r(mass), reps(100): bin_26

replace difference=_b[mass] in 26
replace standard_error=_se[mass] in 26
replace upper_ci=_b[mass]+1.96*_se[mass] in 26
replace lower_ci=_b[mass]-1.96*_se[mass] in 26


program define bin_27, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[27]-b_pre[27]
end
bootstrap mass=r(mass), reps(100): bin_27

replace difference=_b[mass] in 27
replace standard_error=_se[mass] in 27
replace upper_ci=_b[mass]+1.96*_se[mass] in 27
replace lower_ci=_b[mass]-1.96*_se[mass] in 27


program define bin_28, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[28]-b_pre[28]
end
bootstrap mass=r(mass), reps(100): bin_28

replace difference=_b[mass] in 28
replace standard_error=_se[mass] in 28
replace upper_ci=_b[mass]+1.96*_se[mass] in 28
replace lower_ci=_b[mass]-1.96*_se[mass] in 28


program define bin_29, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[29]-b_pre[29]
end
bootstrap mass=r(mass), reps(100): bin_29

replace difference=_b[mass] in 29
replace standard_error=_se[mass] in 29
replace upper_ci=_b[mass]+1.96*_se[mass] in 29
replace lower_ci=_b[mass]-1.96*_se[mass] in 29


program define bin_30, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[30]-b_pre[30]
end
bootstrap mass=r(mass), reps(100): bin_30

replace difference=_b[mass] in 30
replace standard_error=_se[mass] in 30
replace upper_ci=_b[mass]+1.96*_se[mass] in 30
replace lower_ci=_b[mass]-1.96*_se[mass] in 30

program define bin_31, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[31]-b_pre[31]
end
bootstrap mass=r(mass), reps(100): bin_31

replace difference=_b[mass] in 31
replace standard_error=_se[mass] in 31
replace upper_ci=_b[mass]+1.96*_se[mass] in 31
replace lower_ci=_b[mass]-1.96*_se[mass] in 31


program define bin_32, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[32]-b_pre[32]
end
bootstrap mass=r(mass), reps(100): bin_32

replace difference=_b[mass] in 32
replace standard_error=_se[mass] in 32
replace upper_ci=_b[mass]+1.96*_se[mass] in 32
replace lower_ci=_b[mass]-1.96*_se[mass] in 32


program define bin_33, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[33]-b_pre[33]
end
bootstrap mass=r(mass), reps(100): bin_33

replace difference=_b[mass] in 33
replace standard_error=_se[mass] in 33
replace upper_ci=_b[mass]+1.96*_se[mass] in 33
replace lower_ci=_b[mass]-1.96*_se[mass] in 33


program define bin_34, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[34]-b_pre[34]
end
bootstrap mass=r(mass), reps(100): bin_34

replace difference=_b[mass] in 34
replace standard_error=_se[mass] in 34
replace upper_ci=_b[mass]+1.96*_se[mass] in 34
replace lower_ci=_b[mass]-1.96*_se[mass] in 34


program define bin_35, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[35]-b_pre[35]
end
bootstrap mass=r(mass), reps(100): bin_35

replace difference=_b[mass] in 35
replace standard_error=_se[mass] in 35
replace upper_ci=_b[mass]+1.96*_se[mass] in 35
replace lower_ci=_b[mass]-1.96*_se[mass] in 35


program define bin_36, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[36]-b_pre[36]
end
bootstrap mass=r(mass), reps(100): bin_36

replace difference=_b[mass] in 36
replace standard_error=_se[mass] in 36
replace upper_ci=_b[mass]+1.96*_se[mass] in 36
replace lower_ci=_b[mass]-1.96*_se[mass] in 36


program define bin_37, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[37]-b_pre[37]
end
bootstrap mass=r(mass), reps(100): bin_37

replace difference=_b[mass] in 37
replace standard_error=_se[mass] in 37
replace upper_ci=_b[mass]+1.96*_se[mass] in 37
replace lower_ci=_b[mass]-1.96*_se[mass] in 37



program define bin_38, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[38]-b_pre[38]
end
bootstrap mass=r(mass), reps(100): bin_38

replace difference=_b[mass] in 38
replace standard_error=_se[mass] in 38
replace upper_ci=_b[mass]+1.96*_se[mass] in 38
replace lower_ci=_b[mass]-1.96*_se[mass] in 38


program define bin_39, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[39]-b_pre[39]
end
bootstrap mass=r(mass), reps(100): bin_39

replace difference=_b[mass] in 39
replace standard_error=_se[mass] in 39
replace upper_ci=_b[mass]+1.96*_se[mass] in 39
replace lower_ci=_b[mass]-1.96*_se[mass] in 39


program define bin_40, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[40]-b_pre[40]
end
bootstrap mass=r(mass), reps(100): bin_40

replace difference=_b[mass] in 40
replace standard_error=_se[mass] in 40
replace upper_ci=_b[mass]+1.96*_se[mass] in 40
replace lower_ci=_b[mass]-1.96*_se[mass] in 40


program define bin_41, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[41]-b_pre[41]
end
bootstrap mass=r(mass), reps(100): bin_41

replace difference=_b[mass] in 41
replace standard_error=_se[mass] in 41
replace upper_ci=_b[mass]+1.96*_se[mass] in 41
replace lower_ci=_b[mass]-1.96*_se[mass] in 41


program define bin_42, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[42]-b_pre[42]
end
bootstrap mass=r(mass), reps(100): bin_42

replace difference=_b[mass] in 42
replace standard_error=_se[mass] in 42
replace upper_ci=_b[mass]+1.96*_se[mass] in 42
replace lower_ci=_b[mass]-1.96*_se[mass] in 42


program define bin_43, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[43]-b_pre[43]
end
bootstrap mass=r(mass), reps(100): bin_43

replace difference=_b[mass] in 43
replace standard_error=_se[mass] in 43
replace upper_ci=_b[mass]+1.96*_se[mass] in 43
replace lower_ci=_b[mass]-1.96*_se[mass] in 43


program define bin_44, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[44]-b_pre[44]
end
bootstrap mass=r(mass), reps(100): bin_44

replace difference=_b[mass] in 44
replace standard_error=_se[mass] in 44
replace upper_ci=_b[mass]+1.96*_se[mass] in 44
replace lower_ci=_b[mass]-1.96*_se[mass] in 44


program define bin_45, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[45]-b_pre[45]
end
bootstrap mass=r(mass), reps(100): bin_45

replace difference=_b[mass] in 45
replace standard_error=_se[mass] in 45
replace upper_ci=_b[mass]+1.96*_se[mass] in 45
replace lower_ci=_b[mass]-1.96*_se[mass] in 45


program define bin_46, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[46]-b_pre[46]
end
bootstrap mass=r(mass), reps(100): bin_46

replace difference=_b[mass] in 46
replace standard_error=_se[mass] in 46
replace upper_ci=_b[mass]+1.96*_se[mass] in 46
replace lower_ci=_b[mass]-1.96*_se[mass] in 46


program define bin_47, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[47]-b_pre[47]
end
bootstrap mass=r(mass), reps(100): bin_47

replace difference=_b[mass] in 47
replace standard_error=_se[mass] in 47
replace upper_ci=_b[mass]+1.96*_se[mass] in 47
replace lower_ci=_b[mass]-1.96*_se[mass] in 47



program define bin_48, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[48]-b_pre[48]
end
bootstrap mass=r(mass), reps(100): bin_48

replace difference=_b[mass] in 48
replace standard_error=_se[mass] in 48
replace upper_ci=_b[mass]+1.96*_se[mass] in 48
replace lower_ci=_b[mass]-1.96*_se[mass] in 48


program define bin_49, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[49]-b_pre[49]
end
bootstrap mass=r(mass), reps(100): bin_49

replace difference=_b[mass] in 49
replace standard_error=_se[mass] in 49
replace upper_ci=_b[mass]+1.96*_se[mass] in 49
replace lower_ci=_b[mass]-1.96*_se[mass] in 49


program define bin_50, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[50]-b_pre[50]
end
bootstrap mass=r(mass), reps(100): bin_50

replace difference=_b[mass] in 50
replace standard_error=_se[mass] in 50
replace upper_ci=_b[mass]+1.96*_se[mass] in 50
replace lower_ci=_b[mass]-1.96*_se[mass] in 50


program define bin_51, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[51]-b_pre[51]
end
bootstrap mass=r(mass), reps(100): bin_51

replace difference=_b[mass] in 51
replace standard_error=_se[mass] in 51
replace upper_ci=_b[mass]+1.96*_se[mass] in 51
replace lower_ci=_b[mass]-1.96*_se[mass] in 51


program define bin_52, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[52]-b_pre[52]
end
bootstrap mass=r(mass), reps(100): bin_52

replace difference=_b[mass] in 52
replace standard_error=_se[mass] in 52
replace upper_ci=_b[mass]+1.96*_se[mass] in 52
replace lower_ci=_b[mass]-1.96*_se[mass] in 52


program define bin_53, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[53]-b_pre[53]
end
bootstrap mass=r(mass), reps(100): bin_53

replace difference=_b[mass] in 53
replace standard_error=_se[mass] in 53
replace upper_ci=_b[mass]+1.96*_se[mass] in 53
replace lower_ci=_b[mass]-1.96*_se[mass] in 53


program define bin_54, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[54]-b_pre[54]
end
bootstrap mass=r(mass), reps(100): bin_54

replace difference=_b[mass] in 54
replace standard_error=_se[mass] in 54
replace upper_ci=_b[mass]+1.96*_se[mass] in 54
replace lower_ci=_b[mass]-1.96*_se[mass] in 54



program define bin_55, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[55]-b_pre[55]
end
bootstrap mass=r(mass), reps(100): bin_55

replace difference=_b[mass] in 55
replace standard_error=_se[mass] in 55
replace upper_ci=_b[mass]+1.96*_se[mass] in 55
replace lower_ci=_b[mass]-1.96*_se[mass] in 55


program define bin_56, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[56]-b_pre[56]
end
bootstrap mass=r(mass), reps(100): bin_56

replace difference=_b[mass] in 56
replace standard_error=_se[mass] in 56
replace upper_ci=_b[mass]+1.96*_se[mass] in 56
replace lower_ci=_b[mass]-1.96*_se[mass] in 56


program define bin_57, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[57]-b_pre[57]
end
bootstrap mass=r(mass), reps(100): bin_57

replace difference=_b[mass] in 57
replace standard_error=_se[mass] in 57
replace upper_ci=_b[mass]+1.96*_se[mass] in 57
replace lower_ci=_b[mass]-1.96*_se[mass] in 57


program define bin_58, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[58]-b_pre[58]
end
bootstrap mass=r(mass), reps(100): bin_58

replace difference=_b[mass] in 58
replace standard_error=_se[mass] in 58
replace upper_ci=_b[mass]+1.96*_se[mass] in 58
replace lower_ci=_b[mass]-1.96*_se[mass] in 58


program define bin_59, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[59]-b_pre[59]
end
bootstrap mass=r(mass), reps(100): bin_59

replace difference=_b[mass] in 59
replace standard_error=_se[mass] in 59
replace upper_ci=_b[mass]+1.96*_se[mass] in 59
replace lower_ci=_b[mass]-1.96*_se[mass] in 59


program define bin_60, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[60]-b_pre[60]
end
bootstrap mass=r(mass), reps(100): bin_60

replace difference=_b[mass] in 60
replace standard_error=_se[mass] in 60
replace upper_ci=_b[mass]+1.96*_se[mass] in 60
replace lower_ci=_b[mass]-1.96*_se[mass] in 60


program define bin_61, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[61]-b_pre[61]
end
bootstrap mass=r(mass), reps(100): bin_61

replace difference=_b[mass] in 61
replace standard_error=_se[mass] in 61
replace upper_ci=_b[mass]+1.96*_se[mass] in 61
replace lower_ci=_b[mass]-1.96*_se[mass] in 61


program define bin_62, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[62]-b_pre[62]
end
bootstrap mass=r(mass), reps(100): bin_62

replace difference=_b[mass] in 62
replace standard_error=_se[mass] in 62
replace upper_ci=_b[mass]+1.96*_se[mass] in 62
replace lower_ci=_b[mass]-1.96*_se[mass] in 62


program define bin_63, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[63]-b_pre[63]
end
bootstrap mass=r(mass), reps(100): bin_63

replace difference=_b[mass] in 63
replace standard_error=_se[mass] in 63
replace upper_ci=_b[mass]+1.96*_se[mass] in 63
replace lower_ci=_b[mass]-1.96*_se[mass] in 63


program define bin_64, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[64]-b_pre[64]
end
bootstrap mass=r(mass), reps(100): bin_64

replace difference=_b[mass] in 64
replace standard_error=_se[mass] in 64
replace upper_ci=_b[mass]+1.96*_se[mass] in 64
replace lower_ci=_b[mass]-1.96*_se[mass] in 64


program define bin_65, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[65]-b_pre[65]
end
bootstrap mass=r(mass), reps(100): bin_65

replace difference=_b[mass] in 65
replace standard_error=_se[mass] in 65
replace upper_ci=_b[mass]+1.96*_se[mass] in 65
replace lower_ci=_b[mass]-1.96*_se[mass] in 65


program define bin_66, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[66]-b_pre[66]
end
bootstrap mass=r(mass), reps(100): bin_66

replace difference=_b[mass] in 66
replace standard_error=_se[mass] in 66
replace upper_ci=_b[mass]+1.96*_se[mass] in 66
replace lower_ci=_b[mass]-1.96*_se[mass] in 66


program define bin_67, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[67]-b_pre[67]
end
bootstrap mass=r(mass), reps(100): bin_67

replace difference=_b[mass] in 67
replace standard_error=_se[mass] in 67
replace upper_ci=_b[mass]+1.96*_se[mass] in 67
replace lower_ci=_b[mass]-1.96*_se[mass] in 67


program define bin_68, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[68]-b_pre[68]
end
bootstrap mass=r(mass), reps(100): bin_68

replace difference=_b[mass] in 68
replace standard_error=_se[mass] in 68
replace upper_ci=_b[mass]+1.96*_se[mass] in 68
replace lower_ci=_b[mass]-1.96*_se[mass] in 68


program define bin_69, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[69]-b_pre[69]
end
bootstrap mass=r(mass), reps(100): bin_69

replace difference=_b[mass] in 69
replace standard_error=_se[mass] in 69
replace upper_ci=_b[mass]+1.96*_se[mass] in 69
replace lower_ci=_b[mass]-1.96*_se[mass] in 69


program define bin_70, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[70]-b_pre[70]
end
bootstrap mass=r(mass), reps(100): bin_70

replace difference=_b[mass] in 70
replace standard_error=_se[mass] in 70
replace upper_ci=_b[mass]+1.96*_se[mass] in 70
replace lower_ci=_b[mass]-1.96*_se[mass] in 70



program define bin_71, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[71]-b_pre[71]
end
bootstrap mass=r(mass), reps(100): bin_71

replace difference=_b[mass] in 71
replace standard_error=_se[mass] in 71
replace upper_ci=_b[mass]+1.96*_se[mass] in 71
replace lower_ci=_b[mass]-1.96*_se[mass] in 71


program define bin_72, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[72]-b_pre[72]
end
bootstrap mass=r(mass), reps(100): bin_72

replace difference=_b[mass] in 72
replace standard_error=_se[mass] in 72
replace upper_ci=_b[mass]+1.96*_se[mass] in 72
replace lower_ci=_b[mass]-1.96*_se[mass] in 72


program define bin_73, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[73]-b_pre[73]
end
bootstrap mass=r(mass), reps(100): bin_73

replace difference=_b[mass] in 73
replace standard_error=_se[mass] in 73
replace upper_ci=_b[mass]+1.96*_se[mass] in 73
replace lower_ci=_b[mass]-1.96*_se[mass] in 73


program define bin_74, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[74]-b_pre[74]
end
bootstrap mass=r(mass), reps(100): bin_74

replace difference=_b[mass] in 74
replace standard_error=_se[mass] in 74
replace upper_ci=_b[mass]+1.96*_se[mass] in 74
replace lower_ci=_b[mass]-1.96*_se[mass] in 74


program define bin_75, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[75]-b_pre[75]
end
bootstrap mass=r(mass), reps(100): bin_75

replace difference=_b[mass] in 75
replace standard_error=_se[mass] in 75
replace upper_ci=_b[mass]+1.96*_se[mass] in 75
replace lower_ci=_b[mass]-1.96*_se[mass] in 75


program define bin_76, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[76]-b_pre[76]
end
bootstrap mass=r(mass), reps(100): bin_76

replace difference=_b[mass] in 76
replace standard_error=_se[mass] in 76
replace upper_ci=_b[mass]+1.96*_se[mass] in 76
replace lower_ci=_b[mass]-1.96*_se[mass] in 76



program define bin_77, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[77]-b_pre[77]
end
bootstrap mass=r(mass), reps(100): bin_77

replace difference=_b[mass] in 77
replace standard_error=_se[mass] in 77
replace upper_ci=_b[mass]+1.96*_se[mass] in 77
replace lower_ci=_b[mass]-1.96*_se[mass] in 77


program define bin_78, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[78]-b_pre[78]
end
bootstrap mass=r(mass), reps(100): bin_78

replace difference=_b[mass] in 78
replace standard_error=_se[mass] in 78
replace upper_ci=_b[mass]+1.96*_se[mass] in 78
replace lower_ci=_b[mass]-1.96*_se[mass] in 78


program define bin_79, rclass
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2010,freq width(0.05) generate(b_pre x_pre, replace)
twoway__histogram_gen  rate_spread if rate_spread<12&rate_spread>7&loan_amount<50&as_of==2016,freq width(0.05) generate(b_post x_post, replace)
return scalar mass=b_post[79]-b_pre[79]
end
bootstrap mass=r(mass), reps(100): bin_79

replace difference=_b[mass] in 79
replace standard_error=_se[mass] in 79
replace upper_ci=_b[mass]+1.96*_se[mass] in 79
replace lower_ci=_b[mass]-1.96*_se[mass] in 79






save  "$data/bootstrap_less_2010_2016.dta", replace


***both thresholds together
use  "$data/bootstrap_2010_2016.dta", clear
twoway scatter difference x_post, color(black)||rcap upper_ci lower_ci x_post, color(black) xline(6.5) ytitle(Number of Loans) xtitle(Interest Rate Spread)/*
*/legend(label(1 "Pre- and Post-Reform Difference") label(2 "Confidence Intervals")) graphregion(color(white)) bgcolor(white)
graph export "$figures/difference_more_2010_2016.eps", as(eps) preview(on) replace



use  "$data/bootstrap_less_2010_2016.dta", clear
twoway scatter difference x_post, color(black)||rcap upper_ci lower_ci x_post, color(black) xline(8.5) ytitle(Number of Loans) xtitle(Interest Rate Spread)/*
*/legend(label(1 "Pre- and Post-Reform Difference") label(2 "Confidence Intervals")) graphregion(color(white)) bgcolor(white)
graph export "$figures/difference_less_2010_2016.eps", as(eps) preview(on) replace






































